Local Banking with Real Relationships and Real Impact

By Jason Winter
Citizens State Bank President

These days, it feels like everything can be done on your phone. From ordering takeout to depositing checks, the convenience of technology is undeniable. At Citizens State Bank Norwood Young America, we’re proud to offer those tools too. Mobile banking, online loan applications, bill pay, and mobile deposit are all available when and where you need them.

But as helpful as technology is, it’s important to remember that you can’t do everything on your phone. And in some cases, you really shouldn’t.

There’s something different about sitting across the table from someone who knows your name, your family, and your community. Whether you’re buying your first home, expanding your farm, or starting a business, the best decisions come from real conversations with people who understand where you’re coming from.

That’s why relationship banking still matters. It’s why we’re here.

We are proud to have a fully staffed lending team of seven experienced loan officers and a total team of 20 employees. Every one of us is committed to serving you with local knowledge, personal attention, and real care. When you call our bank, you get a real person. When you walk through the door, you’re greeted like a neighbor. And when you need help or advice, you can trust that the person sitting across from you wants what’s best for you.

We also believe that banking should feel like part of the community, not just a place where transactions happen. That’s why events like our annual Dairy Day celebration mean so much to us. Just last month, we had the privilege of serving over 500 ice cream sundaes to families, farmers, kids, and longtime customers. It was a fun reminder of why we love doing what we do. The smiles and conversations that day captured the heart of community banking.

Giving back to the community isn’t something we do once in a while, it’s a part of who we are. We recently partnered with the Federal Home Loan Bank to donate $10,000 each to Central High School’s band program, the school’s FFA program, and to support the annual Stiftungsfest celebration. We’re proud to invest in the people, programs, and traditions that make our town strong.

Central High School FFA

Central High School Band

We understand that people want convenience. And we’re happy to provide it. But more than that, we believe in the value of relationships. Our technology is here to make banking easier, but our people are here to make it better. Thank you for choosing Citizens State Bank Norwood Young America. We’re grateful for the opportunity to serve you, and we look forward to continuing to grow with you and this great community.